Just placed the order, the reason I went with the Overland over the Summit was because of this money factor. If you are in NJ/NY area, the dealer is Team Welsh Jeep. A dealer 10 miles away had a factor of .0018 on the same vehicle.

I put that much down to keep the monthly low. It was either I pay more now and less later, or less now and more later, the lease amount is still the same. Just a preference, that's all. I like having a new vehicle every few years so it works for me.